According to Bloomberg, JPMorgan Chase (JPM) decided to ease its mortgage lending standards in the housing markets that were hit hardest by the financial crisis.

The bank lowered some down payment requirements in Florida, Nevada, Arizona and Michigan because they will “no longer be considered distressed states,” it informed smaller lenders it buys loans from in July. The second-largest U.S. mortgage lender also loosened underwriting requirements for a refinancing program for Federal Housing Administration borrowers.